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Waterstone Financial, Inc. (WSBF)

Financial Services | Banks - Regional | Wauwatosa, United States | NasdaqGS
19.72 USD -0.04 (-0.202%) ⇩ (July 13, 2026, 4 p.m. EDT)

Short-term:★★★⯪☆Long-term:★⯪☆☆☆Dividends:★★⯪☆☆
Hot Take | July 11, 2026, 4:31 a.m. EDT

The immediate catalyst here is a sharp, four-year price decline that has crushed the stock's historical value, leaving it trading at a fraction of its 2021 highs. While the company recently boosted its dividend to $0.17 per quarter, this increase is insufficient to offset the massive capital destruction seen over the last decade; the payout remains well below the rate of inflation. Fundamentally, the business is struggling, evidenced by negative operating cash flow and a forward P/E that implies significant earnings contraction ahead. The recent price action shows a modest bounce off lows, but the statistical forecast models remain skeptical, predicting a slight downside drift over the next month. This creates a tense situation where the stock looks cheap on a per-share basis but carries heavy structural risks regarding its ability to generate cash and grow revenue. It is a speculative recovery play rather than a stable investment.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL_126 ✓0.025881
AutoARIMA0.031184
AutoETS0.031185
MSTL0.031786
AutoTheta0.033189

Forecast horizon: 60 days | Selected: MSTL_126

Forecast Reliability
Score 44%
H-stat 2.29
Ljung-Box p 0.000
Jarque-Bera p 0.001
Excess Kurtosis 0.88
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-07-07
Last Dividend Date 2026-07-07
Revenue per Share 8.432
Market Cap 356,006,752
Trailing P/E 11.95
Forward P/E 19.52
Beta 0.71
Profit Margins 19.77%
Website https://www.wsbonline.com

As of July 11, 2026, 4:31 a.m. EDT: Speculator positioning is extremely thin and fragmented. The nearest expiration shows heavy out-of-the-money call interest relative to volume, suggesting a speculative bet on a quick pop to resistance, while the further-dated expirations display bizarre, isolated strikes with zero open interest, indicating a lack of coherent directional strategy among traders.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.88% 3.70% 4.43% 4.97%
Dividend History
Date Dividend Yield %
2026-07-08 0.17 0.878553
2026-04-08 0.17 0.926430
2026-01-08 0.15 0.892857
2025-10-08 0.15 0.997340
2025-07-08 0.15 1.080692
2025-04-08 0.15 1.219512
2025-01-08 0.15 1.186709
2024-10-08 0.15 1.088534
2024-07-08 0.15 1.181102
2024-04-05 0.15 1.335708
2024-01-05 0.15 1.083815
2023-10-05 0.15 1.420454
2023-07-07 0.20 1.380262
2023-04-06 0.20 1.356852
2023-01-06 0.20 1.158078
2022-10-06 0.20 1.215805
2022-07-08 0.20 1.175088
2022-04-08 0.20 1.084599
2022-01-07 0.70 3.215434
2021-10-07 0.20 0.977995
2021-07-09 0.20 1.030928
2021-06-10 0.50 2.496256
2021-04-09 0.20 0.959233
2021-01-08 0.20 1.058761
2020-11-30 0.30 1.707456
2020-10-08 0.12 0.730371
2020-07-10 0.12 0.883652
2020-04-08 0.12 0.900901
2020-03-10 0.50 3.067485
2020-01-09 0.12 0.650759
2019-10-10 0.12 0.700525
2019-07-11 0.12 0.710480
2019-04-11 0.12 0.737101
2019-03-20 0.50 3.069368
2019-01-09 0.12 0.715990
2018-10-11 0.12 0.722456
2018-07-11 0.12 0.693642
2018-04-11 0.12 0.693642
2018-03-08 0.50 2.906977
2018-01-11 0.12 0.679887
2017-10-11 0.12 0.618557
2017-07-10 0.12 0.643432
2017-05-10 0.50 2.631579
2017-04-10 0.12 0.672269
2017-01-06 0.12 0.650406
2016-10-06 0.08 0.473653
2016-07-08 0.08 0.514801
2016-04-08 0.05 0.363372
2016-01-07 0.05 0.360750
2015-10-07 0.05 0.368732
2015-07-08 0.05 0.380517
2015-04-08 0.05 0.390930
2015-01-08 0.05 0.384025
2014-10-08 0.05 0.418410
2014-07-09 0.05 0.446030
2014-04-09 0.05 0.490677
Additional Data
dividendRate 0.64
dividendYield 3.24
exDividendDate 2026-07-08
trailingAnnualDividendRate 0.62
trailingAnnualDividendYield 0.03137652
lastDividendValue 0.17
lastDividendDate 2026-07-08
dividendDate 2026-08-03

Info Dump

Attribute Value
52 Week Change 0.495072
Address1 11,200 West Plank Court
All Time High 22.74
All Time Low 1.567627
Ask 25.25
Ask Size 2
Audit Risk 8
Average Daily Volume10 Day 88,620
Average Daily Volume3 Month 70,550
Average Volume 70,550
Average Volume10Days 88,620
Beta 0.712
Bid 14.04
Bid Size 2
Board Risk 3
Book Value 20.043
City Wauwatosa
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 3
Country United States
Crypto Tradeable 0
Currency USD
Current Price 19.72
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 19.93
Day Low 19.265
Display Name Waterstone Financial
Dividend Date 1,785,715,200
Dividend Rate 0.64
Dividend Yield 3.24
Earnings Growth 1.046
Earnings Quarterly Growth 0.975
Earnings Timestamp 1,776,974,400
Earnings Timestamp End 1,784,664,000
Earnings Timestamp Start 1,784,664,000
Ebitda Margins 0.0
Enterprise To Revenue 4.757
Enterprise Value 706,445,312
Eps Forward 1.01
Eps Trailing Twelve Months 1.65
Esg Populated 0
Ex Dividend Date 1,783,468,800
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 19.0054
Fifty Day Average Change 0.7145996
Fifty Day Average Change Percent 0.03759982
Fifty Two Week Change Percent 49.507202
Fifty Two Week High 21.03
Fifty Two Week High Change -1.3100014
Fifty Two Week High Change Percent -0.06229203
Fifty Two Week Low 13.08
Fifty Two Week Low Change 6.6399994
Fifty Two Week Low Change Percent 0.5076452
Fifty Two Week Range 13.08 - 21.03
Financial Currency USD
First Trade Date Milliseconds 1,128,519,000,000
Five Year Avg Dividend Yield 4.58
Float Shares 14,873,275
Forward Eps 1.01
Forward P E 19.524752
Full Exchange Name NasdaqGS
Full Time Employees 593
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 148,511,008
Has Pre Post Market Data 1
Held Percent Insiders 0.18631001
Held Percent Institutions 0.53335
Implied Shares Outstanding 18,053,082
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,783,468,800
Last Dividend Value 0.17
Last Fiscal Year End 1,767,139,200
Last Split Date 1,390,435,200
Last Split Factor 10,972:10000
Long Business Summary Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. It operates in two segments, Community Banking and Mortgage Banking. The Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions, such as checking, credit, debit and pre-paid cards, online banking and bill pay, and money transfer services; investable funds solutions, such as savings, money market deposits, individual retirement accounts, and certificates of deposit; residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit; and fixed and variable annuities, insurance products, and trust and investment management accounts. It also provides transaction deposits, interest bearing transaction accounts, demand deposits, non-interest-bearing demand accounts, and time deposits; secured and unsecured lines; commercial real estate construction loans; term loans for working capital, inventory, and general corporate use; and personal term loans and investment services. The Mortgage Banking segment offers residential mortgage loans for the purpose of sale in the secondary market. It also invests in a portfolio of securities comprising mortgage-backed securities, government-sponsored and private-label enterprise bonds, collateralized mortgage obligations, municipal obligations, and other debt securities. The company was formerly known as Wauwatosa Holdings, Inc. and changed its name to Waterstone Financial, Inc. in August 2008. Waterstone Financial, Inc. was founded in 1921 and is based in Wauwatosa, Wisconsin.
Long Name Waterstone Financial, Inc.
Market us_market
Market Cap 356,006,752
Market State PRE
Max Age 86,400
Message Board Id finmb_3027375
Most Recent Quarter 1,774,915,200
Net Income To Common 29,363,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 356,909,431
Open 19.69
Operating Cashflow -3,207,000
Operating Margins 0.21323
Overall Risk 5
Payout Ratio 0.36360002
Phone 414 761 1000
Pre Market Change -0.14999962
Pre Market Change Percent -0.7606472
Pre Market Price 19.57
Pre Market Time 1,784,016,400
Previous Close 19.76
Price Hint 2
Price To Book 0.98388463
Price To Sales Trailing12 Months 2.3971741
Profit Margins 0.19771999
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change -0.0400009
Regular Market Change Percent -0.202434
Regular Market Day High 19.93
Regular Market Day Low 19.265
Regular Market Day Range 19.265 - 19.93
Regular Market Open 19.69
Regular Market Previous Close 19.76
Regular Market Price 19.72
Regular Market Time 1,783,972,800
Regular Market Volume 58,342
Return On Assets 0.01327
Return On Equity 0.085159995
Revenue Growth 0.172
Revenue Per Share 8.432
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 9
Shares Outstanding 18,053,082
Shares Percent Shares Out 0.0185
Shares Short 333,190
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 237,358
Short Name Waterstone Financial, Inc.
Short Percent Of Float 0.0224
Short Ratio 4.02
Source Interval 15
State WI
Symbol WSBF
Total Cash 54,209,000
Total Cash Per Share 3.15
Total Debt 421,272,000
Total Revenue 148,511,008
Tradeable 0
Trailing Annual Dividend Rate 0.62
Trailing Annual Dividend Yield 0.03137652
Trailing Eps 1.65
Trailing P E 11.951515
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 17.41505
Two Hundred Day Average Change 2.3049488
Two Hundred Day Average Change Percent 0.13235384
Type Disp Equity
Volume 58,342
Website https://www.wsbonline.com
Zip 53,226